The Board evaluates a bank's retail banking items presented from the lender's facility-dependent assessment regions and nationwide, as applicable, on the institution level as follows:
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(i) The choice of retail banking providers and retail banking solutions available via digital shipping programs and other supply units;
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) A list of the geographic regions served by the Neighborhood enhancement loan or community growth investment decision, specifying any county, Point out, multistate MSA, or nationwide space served; and
indicates a business, apart from a farm, that experienced gross yearly revenues for its previous fiscal calendar year of $five million or less.
indicates a bank, excluding a bank designated like a constrained intent lender pursuant to § 228.26, that experienced property of lower than $600 million as of December 31 in possibly on the prior two calendar a long time. The Board adjusts and publishes the dollar determine in this definition yearly according to the year-to-12 months adjust in the common of The buyer Value Index for Urban Wage Earners and Clerical Personnel, not seasonally modified, for each 12-thirty day period period of time ending in November, with rounding to the closest million.
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(three) The variety and dollar volume of little organization loans and little farm loans Positioned inside of Each individual facility-dependent evaluation spot and retail lending evaluation space noted by the bank as well as the range and greenback volume of little business enterprise loans and little farm loans Positioned beyond the power-based evaluation regions and retail get more info lending assessment parts documented by the financial institution; and
(5) Whether the Retail Lending Exam encouraged conclusion doesn't correctly replicate the bank's functionality inside of a Retail Lending Take a look at Spot by which a number of of your lender's key product or service traces consists of less than thirty loans;
(A) A duplicate of the general public section on the lender's most recent CRA effectiveness evaluation and a summary of products and services provided by the branch; and
A substantial bank must obtain and manage in electronic form, as prescribed by the Board, right until completion on the bank's next CRA evaluation during which the info are evaluated, the next information with regard to retail banking companies and retail banking items offered and supplied by the bank through Every single calendar year:
(ii) The Board considers an intermediate financial institution's Group enhancement loans, Local community development investments, and Group advancement solutions devoid of regard to whether the action is built in one or more in the financial institution's facility-based assessment regions. The extent of your Board's consideration of Neighborhood enhancement loans, community advancement investments, and Neighborhood progress services beyond the bank's facility-based mostly evaluation places will depend on the adequacy on the bank's responsiveness to community growth requires and opportunities within the bank's facility-based assessment areas and relevant overall performance context data.
The Board considers the weighted average of the performance scores similar to the financial institution's Community Development Funding Examination conclusions for its facility-primarily based evaluation places within the multistate MSA, calculated pursuant to segment IV of appendix B to this aspect.